St. Louis County property record for 323 W Arrowhead Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,480 sqft · built 1922 |
| Lot Size | 0.172 acres (7,493 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Jul 2020) |
| Tax Bill | $3,936 (2026) |
| Deeds & Mortgages | Dec 2023 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1860-01060 |
| Primary APN | 010-1860-01060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,480 sqft Gross Area |
| 1st Floor Area | 850 sqft |
| Basement Area | 425 sqft |
| Finished Basement | 425 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,493 sqft (0.172 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 50 sqft |
| Deck Area | 216 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 1092053 |
|---|---|
| Street Address | 323 W ARROWHEAD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-2458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 150 FT SERIAL # |
| Legal Subdivision | GLEN AVON 4TH DIV OF DULUTH |
| Legal Block | 26 |
| Legal Lot Number | 14 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 500 |
Source: St. Louis County records · APN 010-1860-01060
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 323 W ARROWHEAD RD, DULUTH, MN 55803-2458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2023 | Deed of Trust, Mortgage CITY OF DULUTH |
| Jul 07, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| Jan 15, 2019 | Loan Modification, Mortgage · Conventional with PMI US BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 07, 2020 · Amount on Record |
| Deed Sale | Jul 07, 2020 · Amount on Record |
| Prior Sale | Jan 13, 2015 · Amount on Record |
| Deed Document Number | 20201025507 |
| Prior Transfer Date | Nov 04, 2010 |
| Prior Transfer Doc | 0000892182 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 323 W ARROWHEAD RD, DULUTH, MN 55803-2458 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0001075699 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 1075699 |
| Name | CITY OF DULUTH |
|---|---|
| Type | Government Agency |
| Address | DULUTH, MN 55802 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 07, 2020 |
| Property Address | 323 W ARROWHEAD RD, DULUTH, MN 55803-2458 |
| Document Number | 00T1025507 |
| Instrument Date | Jun 12, 2020 |
| Instrument | T1025507 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2020 |
| Title Company | ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $789.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 323 W ARROWHEAD RD DULUTH MN 558032458, DULUTH, MN 55803-2458 |
| Document Number | T1025508 |
|---|---|
| Date | Jul 07, 2020 |
| Instrument | T1025508 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 06, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 323 W ARROWHEAD RD, DULUTH, MN 55803-2458 |
| Document Number | 0001007902 |
| Instrument Date | Jan 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 323 W ARROWHEAD RD DULUTH MN 558032458, DULUTH, MN 55803-2458 |
| Document Number | 0001007902 |
|---|---|
| Date | Feb 15, 2019 |
| Instrument | 1007902 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 14, 2049 |
| Rate | 4.25% |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,936.00 (+4.74%) Homeowner's exemption | ||
| 2025 | $3,758.00 (-5.44%) Homeowner's exemption | $310,000 (+6.35%) Land $50,900 Building $259,100 | $310,000 (+6.35%) Land $50,900 Building $259,100 |
| 2024 | $3,974.00 | $291,500 (+15.9%) Land $47,500 Building $244,000 | $291,500 (+15.9%) Land $47,500 Building $244,000 |
| 2022 | $251,500 Land $32,500 Building $219,000 | $251,500 Land $32,500 Building $219,000 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 2 (1979–1991) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 1991 · rainfall accumulation |
| Wildfire Risk | Low lower than 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 230 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Oct 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them. The full violation and enforcement history is in the system's EPA record.
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